American Integrity Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational underwriting view based on available carrier and agent-facing material plus legacy agent manual (2014). Current detailed rules are maintained in password-protected agent systems and approved manuals referenced by the carrier; agents must always defer to those manuals and current bulletins. PREFERRED / TARGET BUSINESS - Florida-focused personal residential property, written largely via independent agents; expansion into select Southeast states (notably GA and SC) is emerging but Florida remains dominant. - Owner-occupied primary residences (single-family homes, HO-3) built and maintained to current or recent building codes, in good condition, with no significant deferred maintenance. - Insureds with continuous prior insurance, no significant lapse, and acceptable loss history. - Roofs with sufficient remaining useful life based on age, material, and inspection; homes generally compliant with Florida Building Code and with acceptable wind mitigation features where applicable. - Cross-sell focus: risks that can place multiple lines with American Integrity (e.g., HO-3 + boat + golf cart + flood) often qualify for package / multi-program discounts, especially when a primary HO-3 or similar residence policy is written with the carrier. - Boat owners with standard, well-maintained pleasure craft used primarily for personal/recreational use, normal horsepower for size/class, and operators with clean motor-vehicle and boating claims history. Multi-program discount available where the customer also has a primary HO-3 or similar home policy with American Integrity. RESTRICTED OR HEIGHTENED-SCRUTINY RISKS (HOME-RELATED) - Older roofs, especially shingle roofs near or beyond carrier’s remaining-life thresholds. Agent and consumer complaints frequently reference nonrenewals or underwriting actions tied to roof age/condition, so agents should assume strict enforcement of roof-age and inspection rules and verify against current manuals before quoting or binding. - Homes with prior hurricane, wind, or water damage, or any open/unresolved claims. Underwriters will expect documentation of completed repairs and may decline or restrict coverage if repairs are incomplete or evidence of ongoing damage exists. - Properties with deferred maintenance, safety hazards, or inspection deficiencies (e.g., deteriorated soffit/fascia, gutters, missing handrails, exposed wiring, unrepaired water intrusion). Post-bind inspections may trigger mandatory repairs, underwriting review, or cancellation if not remedied. - Non–owner-occupied, tenant-occupied, or vacant dwellings are written in specific dwelling-fire or vacant programs (DP1/DP3/Vacant) and must meet those programs’ eligibility, occupancy, and usage restrictions. - Risks without acceptable prior insurance or with significant lapses generally require specific underwriting approval before binding (per the Agent’s Procedure Manual). Agents should not bind such risks without documented clearance. DECLINED OR GENERALLY INELIGIBLE CLASSES (TYPICAL, TO CONFIRM AGAINST MANUAL) - Properties that fail to meet minimum condition standards after inspection (severe roof deterioration, significant structural defects, uncorrected life-safety issues). - Dwellings not meeting occupancy requirements for the program quoted (e.g., a non‑owner‑occupied dwelling submitted as primary HO‑3 instead of landlord or vacant DP form) or properties used for ineligible commercial or short-term rental exposure where not allowed. - Applicants or locations with prohibitive loss experience, misrepresentation in the application, undisclosed renovations or hazards, or failure to cooperate with underwriting inspections or information requests. GEOGRAPHIC NOTES - Core appetite is Florida personal residential property; regulatory filings and public disclosures emphasize AIICFL as a Florida-only or predominantly Florida residential carrier, with recent growth largely in that market. - The company actively participates in Citizens depopulation / take-out programs, assuming selected policies identified as lower or moderate risk. Agents with Citizens policies targeted for assumption should follow specific Citizens–American Integrity communication and acceptance procedures. - Expansion into adjacent Southeast states is emerging; specific state-by-state program guidelines, coastal distance restrictions, and wind/hurricane deductibles are controlled by filed manuals and may differ meaningfully from Florida standards. Agents must consult state-specific manuals in the agent portal. SUBMISSION & BINDING EXPECTATIONS (HOME) - Agents are expected to pre-qualify every risk against current American Integrity guidelines prior to binding. The legacy Agent’s Procedure Manual explicitly holds the Agent of Record responsible for confirming that the risk meets eligibility before binding. - Applications must fully and accurately reflect roof age, updates (roof, plumbing, electrical, HVAC), occupancy, and any prior losses. Undisclosed renovations or misclassified occupancy/usage commonly result in post-bind cancellations or nonrenewals. - Four-point and/or full home inspections are often required for older homes or as specified by program rules. Agents should order and review required inspections, correct or clarify discrepancies, and be prepared for underwriting questions where roof age or condition is borderline. - New business without prior insurance, or with significant gaps in coverage, generally requires underwriter approval prior to binding. Agents should obtain written underwriting clearance and retain documentation in the file. - Post-bind inspections are routine; material adverse findings must be addressed by the insured within carrier deadlines, or coverage may be cancelled or restricted. BOAT / WATERCRAFT PROGRAM NOTES - Boat Owners product is marketed to agents with a focus on standard pleasure-use boats. Preferred risks include personal-use vessels of conventional design, within program horsepower, age, and length limits, primarily garaged, stored, or moored in approved areas. - Multi-program discount is available for customers who also carry a primary HO‑3 or similar home policy with American Integrity, reinforcing cross-sell and retention objectives. - The Boat Owners Helpful Hint Guide directs agents to the approved manuals for explicit underwriting rules and eligibility criteria and notes that additional restrictions may apply. Agents must consult the manual for prohibited hull types, age limits, performance craft, mooring/lay‑up requirements, operator age/experience standards, and any mandatory safety or navigation area limitations. BROKER / PRODUCER INSTRUCTIONS & OPERATING NOTES - American Integrity distributes almost exclusively through vetted independent agents who undergo a due-diligence process and are expected to understand the unique challenges of the Florida and Southeast property markets. Poor-quality or out-of-guideline submissions can jeopardize agency appointment and production goals. - Agents are strongly encouraged (and contractually expected) to: • Use the agent portal/raters to obtain real-time eligibility indications and to review current program manuals, underwriting bulletins, and updates. • Carefully review and explain wind/hurricane deductibles, optional endorsements, and any Citizens take-out or assumption process to policyholders. • Upload supporting documents (inspections, photos, proof of repairs, proof of updates) directly to the policy or quote as directed in the agent system. - For all lines (home and boat), the carrier’s marketing material reiterates that the definitive underwriting rules, restrictions, and eligibility criteria reside in the approved manuals. The Helpful Hint and similar guides are explicitly secondary and should not be used as a substitute for the manuals. PRACTICAL AGENT TAKEAWAYS - Treat roof age/condition and inspection findings as critical gating items; confirm eligibility before promising coverage or binding. - Pre-qualify occupancy (primary vs rental vs vacant) and match to the correct program/form (HO‑3 vs HO‑6 vs DP vs Vacant DP). - Expect heightened scrutiny on hurricane-exposed properties, prior hurricane or water losses, and Citizens depopulation transfers. - For boat business, prioritize standard, non‑high‑performance pleasure craft and cross-sell with an existing or concurrent HO‑3 or similar home policy to leverage multi‑program discounts. - Always reference the latest approved manuals and underwriting bulletins in the agent portal for definitive rules; do not rely solely on older PDFs or third-party summaries.